Retirement Plan Communications

• Estimating retirement expenses and income needs (plan participants)
• Roth vs. traditional IRA and/or 401(k)
• Safe withdrawal rates
• Retirement minimum distributions
• Retirement income strategies
• Regulatory trends; fiduciary responsibilities (plan sponsors)

Wealth Management

• Estate planning; wills and trusts
• Charitable trusts; planned giving
• Tax-efficient investing strategies
• Small business succession planning

Insurance

• Life insurance – term vs. whole; how much you need
• Annuities – variable/fixed; immediate/deferred
• Health insurance
• HSAs; consumer-directed health care
• Long-term care insurance
• Life insurance as an estate-planning tool

Institutional Investing

• Long-short, market-neutral strategies
• Portable alpha
• Liability-driven investing
• Derivatives and overlays
• Risk budgeting

Individual Investing

• Active vs. passive investing
• Asset allocation/asset correlation
• Perils of market timing
• How to survive a bear market
• Psychology of investing

Personal Finance

• Budgeting; saving; managing debt wisely
• Juggling financial goals
• Tax planning
• Family financial issues

Banking

• Personal/retail banking
• Small business banking
• Treasury and cash management
• International trade finance